Why in News? 

• The National Payments Corporation of India (NPCI) has recently launched BHIM (Bharat Interface for Money) 3.0 to enhance the digital payment experience with new features. 

 What is BHIM? 

• BHIM is a UPI-based digital payment application developed by NPCI. 
• It allows users to make instant money transfers using mobile phones. 

 Salient Features of BHIM 3.0 

• Available in 15+ Indian languages for better regional accessibility. 
• Allows users to easily monitor and divide expenses. 
• Ensures smooth transactions even with weak or unstable internet connectivity. 
• Sends reminders for: 
  • Pending bills 
  • UPI Lite activation 
  • Low balance alerts